Republic Bank (Ghana) PLC (GHSE:RBGH)

Ghana · Delayed Price · Currency is GHS

4.200

0.00 (0.00%)

At close: Aug 11, 2026

Republic Bank (Ghana) Financials Overview

Financials in millions GHS. Fiscal year is January - December.

Millions GHS. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,002	1,028	837.56	682.99	309.5	405.56
Revenue Growth	8.97%	22.80%	22.63%	120.68%	-23.69%	22.92%
Net Income	253.74	276.9	201.87	140.03	-63.68	88.24
Earnings Per Share	-	0.33	0.24	0.16	-0.07	0.10
EPS Growth	-	37.19%	44.14%	-	-	56.45%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Corporate Banking	890.49	697.58	585.57	195.53	318.88
Mortgage	37.74	39.23	11.36	-11.09	19.83
Retail	112.93	109.62	94.26	131.35	71.69
Microfinance	-12.69	-8.87	-5.15	-6.29	-4.84
Total	1,028	837.56	686.04	309.5	405.56

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	5,157	4,440	3,610	2,432	1,280	742.85
Total Debt	2,314	2,189	1,825	95.4	189.13	238.48
Net Cash (Debt)	2,843	2,250	1,784	2,337	1,091	504.37
Net Cash Growth	3.44%	26.11%	-23.64%	114.18%	116.30%	-7.58%
Net Cash Per Share	-	2.64	2.09	2.74	1.28	0.59

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-3,693	-2,041	127.95	-373.65	-148.21	-176.91
Capital Expenditures	-44.52	-71.07	-55.84	-101.09	-56.08	-38.27
Free Cash Flow	-3,738	-2,112	72.11	-474.74	-204.3	-215.17
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	25.32%	26.92%	24.10%	20.50%	-20.57%	21.76%
FCF Margin	-373.06%	-205.36%	8.61%	-69.51%	-66.01%	-53.06%

Dividends

Fiscal Year	Current	FY 2025
Period Ending	Aug '26 Aug 11, 2026	Dec '25 Dec 31, 2025
Dividend Per Share	0.050	0.050
Dividend Per Share Growth	0%	-
Dividend Yield	1.19%	3.88%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	14.10	4.00	2.79	2.92	-	5.79
P/FCF Ratio	-	-	7.80	-	-	-
PS Ratio	3.57	1.08	0.67	0.60	1.49	1.26